Real Estate Loan Application Instructions

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1 Real Estate Loan Application Instructions Thank you for choosing Navy Army Community Credit Union to assist you with your home financial needs. Whether you re interested in buying a new home, improving your existing home, improving your mortgage rate or consolidating debts we are here to assist you. What do we need to begin the process? 1. Complete the Residential Loan Application attached 2. Locate and provide the following income documents: (see applicable income status below) Wage Earner Income Self Employment Income Retirement, Pension or Disability Income Rental Income 1. Filed federal tax returns (form 1040) and all w2 forms for the past two years 2. Paystubs covering the last 30 days 1. Filed federal tax returns (form 1040) and all w21099 forms for the past two years 2. Filed federal business tax returns (form 1065, 1120 or 1120-S) for the past two years 3. YTD Profit and Loss Statement for all businesses 1. Filed federal tax returns (form 1040) and all w21099 forms for the past two years 2. Retirement, Pension or Disability Award Letter 1. Filed federal tax returns (form 1040) and all w21099 forms for the past two years 2. Current Lease Agreement Note: Please sign and date the second page of each tax return before submittal 3. Refinance and Home Equity applications will require the additional documents below: Current Mortgage Statement Current Property Tax Statement Current Hazard, Windstorm and Flood Insurance Policy (If applicable) 4. Where do I apply? Apply On-line o Select loans, under quick tools, select apply for a loan o After you apply upload the documents above to your online application for convenience Or please visit us at the Navy Army Real Estate Center located at: 2814 Rodd Field Rd. Corpus Christi, TX Rodd Field Rd. Corpus Christi, TX Tel: Fax:

2 UNIFORM RESIDENTIAL LOAN APPLICATION This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "Borrower" or "Co-Borrower", as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrower's spouse) will be used as a basis for loan qualification or the income or assets of the Borrower's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. Pursuant to California Civil Code (j), a married applicant may apply for a separate account. If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below): Mortgage Applied Borrower VA FHA Conventional Other: USDARural Housing Service I. TYPE OF MORTGAGE AND TERMS OF LOAN Amount Interest Rate No. of Months Amortization Type: % Subject Property Address (Street, City, State & Zip) Legal Description of Subject Property (attach description if necessary) Co-Borrower Fixed Rate GPM Agency Case Number Other (explain): ARM (type): II. PROPERTY INFORMATION AND PURPOSE OF LOAN Lender Case Number No. of Units Year Built Purpose of Loan: Purchase Refinance Construction Construction-Permanent Other (explain): Complete this line if construction or construction-permanent loan. Complete this line if this is a refinance loan. Property will be: Primary Residence Secondary Residence Year Lot Acquired Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a+b) Investment Year Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements made to be made Acquired Cost: Title will be held in what Name(s) Source of Down Payment, Settlement Charges andor Subordinate Financing (explain) Manner in which Title will be held Estate will be held in: Fee Simple Leasehold (show expiration date) Borrower III. BORROWER INFORMATION Co-Borrower Borrower's Name (include Jr. or Sr. if applicable) Co-Borrower's Name (include Jr. or Sr. if applicable) Social Security Number Home Phone of Birth Yrs. School Social Security Number Home Phone (mmddyyyy) of Birth (mmddyyyy) Yrs. School Dependents (not listed by Co-Borrower) no. Married Separated Unmarried (Include Single, Divorced, Widowed) ages Present Address (Street, City, State, Zip) Own Rent Dependents (not listed by Borrower) no. Married Separated Unmarried (Include Single, Divorced, Widowed) ages Present Address (Street, City, State, Zip) Own Rent Mailing Address, if different from Present Address No. Yrs. Mailing Address, if different from Present Address No. Yrs. If residing at present address for less than two years, complete the following: Former Address (Street, City, State, Zip) Own Rent Former Address (Street, City, State, Zip) Own Rent No. Yrs. No. Yrs. Freddie Mac Form 65 (0705) Page 1 of 6 KTXAM0 (EST636 LASER) Fannie Mae Form

3 Borrower IV. EMPLOYMENT INFORMATION Co-Borrower Yrs. on this Job Yrs. employed in this line of workprofession Yrs. on this Job Yrs. employed in this line of workprofession PositionTitleType of Business PositionTitleType of Business If employed in current position for less than two years or if currently employed in more than one position, complete the following: s (from - to) PositionTitleType of Business Monthly Income s (from - to) PositionTitleType of Business Monthly Income s (from - to) Monthly Income s (from - to) Monthly Income PositionTitleType of Business PositionTitleType of Business V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Gross Monthly Income Borrower Co-Borrower Total Base Empl. Income* Overtime Bonuses Rent Combined Monthly Housing Expense First Mortgage (P&I) Other Financing (P&I) Present Proposed Commissions Hazard Insurance DividendsInterest Real Estate Taxes Net Rental Income Mortgage Insurance Other (before completing, see the notice in "describe other income," below) Homeowner Assn. Dues Other: Total * Borrower(s) may be required to provide additional documentation such as tax returns and financial statements. Describe Other Income Notice: Alimony, child support, or separate maintenance income need not be revealed if the Borrower (B) or Co-Borrower (C) does not choose to have it considered for repaying this loan. Total BC Monthly Amount Freddie Mac Form 65 (0705) Page 2 of 6 KTXAM0 (EST636 LASER) Fannie Mae Form

4 VI. ASSETS AND LIABILITIES This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person, also. Completed Jointly Not Jointly Description ASSETS Cash deposit toward purchase held by: List checking and savings accounts below Name and address of Bank, S&L, or Credit Union Cash or Market Value Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities which will be satisfied upon sale of real estate owned or upon refinancing of the subject property. LIABILITIES Monthly Payment & PaymentMonths Unpaid Balance Name and address of Bank, S&L, or Credit Union PaymentMonths Name and address of Bank, S&L, or Credit Union PaymentMonths Name and address of Bank, S&L, or Credit Union PaymentMonths Stock & Bonds (Company namenumber & description) PaymentMonths Life insurance net cash value Face amount: Subtotal Liquid Assets PaymentMonths Real estate owned (enter market value from schedule of real estate owned) Vested interest in retirement fund PaymentMonths Net worth of business(es) owned (attach financial statement) Automobiles owned (make and year) Other Assets (itemize) AlimonyChild SupportSeparate Maintenance Payments Owed to: Job Related Expense (child care, union dues, etc.) Total Monthly Payments Total Assets a. Net Worth (a minus b) Total Liabilities b. Freddie Mac Form 65 (0705) Page 3 of 6 KTXAM0 (EST636 LASER) Fannie Mae Form

5 VI. ASSETS AND LIABILITIES (cont.) Schedule of Real Estate Owned (if additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if pending sale or R if rental being held for income) Type of Property Present Market Value Amount of Mortgages & Liens Gross Rental lncome Mortgage Payments Insurance, Maintenance, Taxes & Misc. Net Rental Income Totals List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s): Alternate Name Creditor Name Account Number VII. DETAILS OF TRANSACTION a. Purchase price b. Alterations, improvements, repairs c. Land (if acquired separately) d. Refinance (incl. debts to be paid off) e. Estimated prepaid items f. Estimated closing costs g. PMI, MIP, Funding Fee h. Discount (if Borrower will pay) i. Total Costs (add items a through h) j. Subordinate financing k. Borrower's closing costs paid by Seller l. Other Credits (explain) m. Loan amount (exclude PMI, MIP, Funding Fee financed) n. PMI, MIP, Funding Fee financed o. Loan amount (add m & n) p Cash fromto Borrower (subtract j, k, l & o from i) VIII. DECLARATIONS Borrower If you answer "yes" to any questions a through i, please use continuation sheet for explanation. Yes No a. Are there any outstanding judgments against you? b. Have you been declared bankrupt within the past 7 years? c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? d. Are you a party to a lawsuit? e. Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes," provide details, including date, name and address of Lender, FHA or VA case number, if any, and reasons for the action.) Co-Borrower Yes No Freddie Mac Form 65 (0705) Page 4 of 6 KTXAM0 (EST636 LASER) Fannie Mae Form

6 VIII. DECLARATIONS (cont.) f. Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes," give details as described in the preceding question. Borrower Yes No Co-Borrower Yes No g. Are you obligated to pay alimony, child support, or separate maintenance? h. Is any part of the down payment borrowed? i. Are _ you a _ co-maker or _ endorser _ on a _ note? j. Are you a U.S. citizen? k. Are you a permanent resident alien? l. Do you intend to occupy the property as your primary residence? If "Yes," complete question m below. m. Have you had an ownership interest in a property in the last three years? (1) What type of property did you own -- principal residence (PR), second home (SH), or investment property (IP)? (2) How did you hold the title to the home -- solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)? SPECIAL NOTICE FOR BALLOON MORTGAGES THIS LOAN MUST EITHER BE PAID IN FULL AT MATURITY OR REFINANCED TO A MARKET LEVEL FIXED-RATE MORTGAGE. YOU MUST REPAY THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE IF YOU DO NOT QUALIFY FOR THE CONDITIONAL RIGHT TO REFINANCE AS SPECIFIED IN THE NOTE ADDENDUM AND MORTGAGE RIDER. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE THE LOAN IF QUALIFICATION CONDITIONS ARE NOT MET. YOU WILL, THEREFORE, BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS THAT YOU MAY OWN, OR YOU WILL HAVE TO FIND A LENDER, WHICH MAY BE THE LENDER YOU HAVE THIS LOAN WITH, WILLING TO LEND YOU THE MONEY. IF YOU REFINANCE THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL OF THE CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW LOAN EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER. IX. ACKNOWLEDGMENT AND AGREEMENT Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, andor in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original andor an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend andor supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (9) ownership of the Loan andor administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal andor state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a fascimile of my signature, shall be as effective, enforceable, and valid as if a paper version of this application were delivered containing my original written signature. Acknowledgment. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency. X Borrower's Signature X Co-Borrower's Signature Freddie Mac Form 65 (0705) Page 5 of 6 KTXAM0 (EST636 LASER) Fannie Mae Form

7 X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the lender is subject under applicable state law for the particular type of loan applied for.) BORROWER I DO NOT WISH TO FURNISH THIS INFORMATION ETHNICITY: Hispanic or Latino Not Hispanic or Latino CO-BORROWER I DO NOT WISH TO FURNISH THIS INFORMATION ETHNICITY: Hispanic or Latino Not Hispanic or Latino RACE: American Indian or Alaska Native RACE: American Indian or Alaska Native Asian Asian Black or African American Black or African American Native Hawaiian or Other Pacific Islander Native Hawaiian or Other Pacific Islander White White SEX: Male SEX: Male Female Female To be completed by InterviewerInterviewer's Name (print or type) This application was taken by: Name and Address of Interviewer's Employer Face-to-face interview Mail Telephone Internet Interviewer's Signature Interviewer's Phone Number Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark B for Borrower or C for Co-Borrower. CONTINUATION SHEETRESIDENTIAL LOAN APPLICATION Borrower: Co-Borrower: Agency Case Number: Lender Case Number: IWe fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq. X Borrower's Signature X Co-Borrower's Signature Freddie Mac Form 65 (0705) Page 6 of 6 KTXAM0 (EST636 LASER) Fannie Mae Form

8 AUTHORIZATION TO DISCLOSE INFORMATION I we, the undersigned, have applied for a real estate loan through Navy Army Community Credit Union (NACCU). I we hereby authorize the release of any and all information required or requested by NACCU, their assignees, or their credit reporting agencies in their attempts to complete the processing andor approval of our loan request. Necessary information may include, but would not be limited to, employment andor related compensation information; savings and checking account verifications; loan status; payment histories; credit union and mortgage balances; etc. NACCU is hereby authorized to utilize copies of this form in its efforts to receive the above listed information. Thank you for your cooperation in expediting the return of the requested information. Member Name (Last Name, First Name) Social Security # Member Signature Member Name (Last Name, First Name) Social Security # Member Signature PO BOX CORPUS CHRISTI, TX

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